Insurance for Community Associations. Built by People Who’ve Managed Them.
Common Elements is a specialty insurance agency for HOAs, condominiums, and cooperatives across the Gulf Coast. Founded by community association professionals who spent years on the other side of the table — watching boards get blindsided by coverage gaps, disappearing agents, and renewals nobody could explain.
We’re launching soon. Get on the list.
Your Board Deserves Better Than This
The Vanishing Agent
Your insurance agent shows up once a year to collect a signature and disappears until renewal. When your building takes a hit, you’re on hold with a carrier you’ve never spoken to.
The Unexplained Renewal
Your premium jumped 40% and the only explanation is a one-line email that says “market conditions.” No alternatives presented. No breakdown of what changed. Just a bigger number and a deadline.
The Coverage Gap Nobody Mentioned
Your governing documents require $10M in liability coverage. Your policy has $5M. Nobody flagged it — not your agent, not your management company. You find out when a plaintiff’s attorney does.
One-Size-Fits-All
Your agent handles auto, home, life, commercial, and your 200-unit high-rise master policy on the side. Association insurance isn’t their specialty — it’s not even their focus.
What Common Elements Is Building
We’re not trying to be the biggest agency. We’re building one that focuses exclusively on community associations — because your master policy, your D&O coverage, and your flood program deserve someone who thinks about this full-time.
Association-Only Focus
We don’t sell auto insurance. We don’t sell homeowners policies. Every client is a community association. Every carrier relationship, every coverage analysis, every renewal strategy is built around how associations actually work.
CAM Background
Our team brings active LCAM licensing and hands-on experience managing operations for 600+ community associations across Florida. We’ve sat in your board meetings and watched boards approve budgets based on coverage they didn’t fully understand.
Gulf Coast Specialist
Florida. Georgia. Alabama. Mississippi. Louisiana. Coastal property insurance is a different animal — surplus lines markets, wind mitigation credits, flood zone classifications, named storm deductibles. We operate exclusively where this complexity lives.
Transparency as Standard
When we present your renewal, you’ll see what changed, why, and what alternatives we explored. Side-by-side comparisons, plain-language summaries, and a direct line to someone who picks up the phone. That’s not a premium service — that’s the baseline.
Coverage Areas
When Common Elements launches, we’ll specialize in the full range of coverage community associations need — placed through both admitted and surplus lines markets.
Master Property / Hazard
The backbone of your association’s insurance program. Covers the physical structure, common areas, and building systems against covered perils.
Learn moreGeneral Liability
Protects your association against bodily injury and property damage claims arising from common areas — the pool deck slip, the parking garage incident, the fallen tree limb.
Learn moreDirectors & Officers (D&O)
Protects your volunteer board members personally against claims alleging wrongful acts in their capacity as directors.
Learn moreUmbrella / Excess Liability
Additional liability coverage above your GL and D&O limits. Most governing documents require it. Most associations are underinsured here.
Learn moreFlood Insurance
NFIP policies have coverage caps that don’t come close to protecting a mid-rise or high-rise association. Private flood markets can fill the gap.
Learn moreFidelity Bond / Crime
Protects association funds against theft or dishonesty by board members, managers, or employees. Florida statute requires it.
Learn moreSimple. Transparent. Built for Boards.
Tell us about your community.
A short intake form with the basics: association type, unit count, location, and what’s driving you to look. No jargon, no 40-field application.
We do the work.
We review your current program, analyze your governing document requirements, and go to market across admitted and surplus lines carriers to find competitive options.
Your board decides with clarity.
We present side-by-side comparisons in plain language — coverage differences, premium breakdowns, deductible structures — so your board can make an informed vote.
This process will be available when we officially launch. Join the waitlist to be first in line.
Be First in Line
Common Elements is currently in pre-launch as we finalize our agency registration and carrier partnerships. When we go live, the first associations on our list will receive a complimentary coverage review — a full analysis of your current insurance program with gap identification and market comparison.
No cost. No obligation. Just clarity.